Sunil Kumar, FCAFCA · Governance Frameworks & Books
Free resource library

Books & executive guides.

Practical governance, finance, compliance and sustainability reading. Prices are shown in USD and convert automatically to your local currency at checkout — buyers purchasing from India on Gumroad automatically receive a significant purchasing-power discount.

Read Online — Free

One book from each series, free to read online — no download, no email required. Part of an ongoing commitment to disseminate this thinking and support NGOs and mission-driven organisations on a pro-bono basis. If you find them valuable, the complete edition is available to buy or own on Kindle.

Book cover: The Strategic CFO by CA Sunil Kumar, FCA

The Strategic CFO Free to read

Building future-ready organisations through governance, strategic finance and institutional resilience.

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Written for a CFO who's tired of being treated as the person who reports what already happened. Covers FCRA, GST and FEMA considerations, cash-flow stress testing, and how Finance becomes a strategic institutional capability rather than a compliance function. If you're a CFO, ED or Board member wondering what the role should look like in a mission-driven organisation, this is the practitioner's answer.
Book cover: The Wealthy Life by CA Sunil Kumar, FCA

The Wealthy Life Free to read

How to build a career, money and life that work together.

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For anyone who has become financially successful while quietly becoming poorer in health, relationships or purpose. Presents wealth as six dimensions — financial, physical, mental, emotional, social, spiritual — with a practical operating cycle, not just motivational framing. Free to read online if you want to try before buying.
Book cover: The Resilient Institution by CA Sunil Kumar, FCA

The Resilient Institution Free to read

"The Architecture of Resilience" — a story about leadership, finance, governance and the institution we leave behind.

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Building Trust, Governance and Sustainable Impact — the book behind the free short story "The Architecture of Resilience" available on this site. Goes further into governance, financial resilience, risk, leadership, technology and long-term institutional endurance, with practical CFO Insights, Boardroom Questions and Action Checklists you can actually use.

The Resilient Institution™

Governance, financial resilience and institutional endurance for NGOs, Foundations and mission-driven organisations.

Book cover: The Resilient Institution by CA Sunil Kumar, FCA

The Resilient Institution

Building trust, governance and sustainable impact in mission-driven organisations.

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Covers board oversight, enterprise risk, blended finance, ESG, cyber governance and AI-readiness — with practical CFO Insights, Boardroom Questions and Action Checklists. Includes "The Architecture of Resilience," a short story on the same themes. Free to read online in full.
What readers are saying

"The Resilient Institution is a timely and practical guide for leaders who understand that sustainable impact requires more than a strong mission. By connecting governance, strategic finance, risk, technology, leadership and trust, Sunil Kumar challenges organisations to move beyond compliance and deliberately build the institutional resilience required to endure."
— Solomon Isaac Faibil, FCA, CTP, FFA, FIPA, Founder & Principal Consultant, SIF Accounting & Tax Solutions Ltd (SIF Advisory)

Governance Lessons from the Field Start here — free

An executive governance briefing for CEOs, CFOs and Board Members.

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18 real governance failures and near-misses, turned into practical lessons — not theory, but the specific moments where a Board's decision (or silence) made the difference between a manageable problem and a crisis. If you only read one thing before deciding whether IGMA™ is worth exploring, this is the free, no-risk way to see the thinking behind it.
What readers are saying

"This excellent pocketbook has concrete practical ideas that NPOs will want to use immediately. It is brief, because it has distilled decades of a practitioner's wisdom, and bottled it up in a small jar."
— Sanjay Agarwal, Principal, Sanjay Aditya; author of the AccountAble Handbook on FCRA 2010

"Effective risk management is no longer merely a compliance exercise — it is a strategic necessity. I would not be surprised if Governance Lessons from the Field becomes an authoritative reference for risk management in the non-profit sector."
— CA Subhash Mittal, Founding Partner, Subhash Mittal & Associates, New Delhi

"An outstanding, practical guide for board members, CEOs, CFOs, and nonprofit leaders. Packed with high-impact tools — like the Funding Concentration Risk Matrix and the Risk Visibility Matrix — this is a 90-minute working manual that leaders will revisit repeatedly."
— CA Sanjeev Kumar Dora, Ex-Director Finance and Internal Control, Impact Guru Foundation

Book cover: The Governance Health Check by CA Sunil Kumar, FCA

The Governance Health Check

What if your organisation's greatest risk isn't financial, but a governance weakness no one has identified?

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A practitioner's diagnostic — not a generic checklist — for boards and CEOs who suspect their biggest risk isn't financial but a governance weakness nobody has named yet. If your organisation has never formally assessed its own governance, this is the lowest-friction way to start.

A Governance Maturity Framework for FCRA-Registered Organisations New

Building the systems that protect mission-driven organisations from regulatory, financial and reputational risk.

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The book version of the thinking behind the IGMA™ FCRA toolkit — building the systems that protect Indian NGOs from regulatory, financial and reputational risk under FCRA. Useful even if you're not ready to buy the full $500 assessment toolkit; it explains the governance logic behind it.

The Nonprofit Resilience Health Check New

The Governance & Reserves Sustainability Toolkit — a practical check on whether your organisation has the reserves and governance discipline to withstand a funding shock.

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A focused look at reserves and financial sustainability specifically — for boards who want to know whether their organisation could actually survive a funding shock, not just whether this year's budget balances.

The Governance Health Check™: 20 Questions Every Board Should Ask New

To strengthen governance, build institutional resilience and protect donor trust.

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A shorter, sharper companion to the full Governance Health Check book — 20 direct questions to strengthen governance, build institutional resilience and protect donor trust. Good for a Board meeting discussion starter rather than a full read.
Book cover: The Architecture of Resilience by CA Sunil Kumar, FCA

The Architecture of Resilience New

A Practical Framework for Building Stronger Lives, Organisations and Futures — not to be confused with the free short story of the same name.

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A framework, not a story: Purpose → Reality → Portfolio → Priorities → Allocation → Capability & Leverage → Protection & Resilience → Optionality → Review, Learn & Adapt. Includes a full Resilience Toolkit — Architecture Canvas, Portfolio Inventory, Fragility Scan, Decision Record and more — for individuals, leaders, Boards and mission-driven organisations examining what makes a system genuinely resilient rather than just currently successful.

The Strategic CFO

For CFOs, EDs and finance leaders in mission-driven organisations.

Book cover: The Strategic CFO by CA Sunil Kumar, FCA

The Strategic CFO

Building future-ready organisations through governance, strategic finance and institutional resilience.

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Written for a CFO who's tired of being treated as the person who reports what already happened. Covers FCRA, GST and FEMA considerations, cash-flow stress testing, and how Finance becomes a strategic institutional capability rather than a compliance function. Free to read online if you want to try before buying.
What readers are saying
"The structure works particularly well, moving from problem and discussion through reflection, boardroom considerations, takeaways, questions and practical checklists. Perhaps the most compelling idea is the 'CFO holiday test': can the organisation and finance function operate effectively without the CFO being constantly present? This captures an important truth about the CFO's role — the CFO should build the system, governance and capability, rather than become the system. A valuable read that I expect to refer to often."
— Andrew Harmer, FCA, senior executive, for-profit & regulated sector
Book cover: The CFO Nobody Sees by CA Sunil Kumar, FCA

The CFO Nobody Sees New

The invisible work, decisions and judgement that keep organisations strong.

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The companion book to The Strategic CFO — this one is about the invisible work: the judgment calls, the decisions nobody sees, the quiet discipline that keeps an organisation from becoming a headline. Read this if you want to understand what actually separates a CFO who prevents crises from one who just survives them.

The Strategic CFO Essentials Bundle

The Strategic CFO + The CFO Nobody Sees — the visible leadership and the invisible judgment required to run world-class financial functions.

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Both CFO books together, at a saving over buying them separately. Buy this instead of the two books separately if you're specifically building out the CFO perspective.

The Strategic Life

Career, money and personal effectiveness — for anyone building a life, not only a career.

Book cover: The Wealthy Life by CA Sunil Kumar, FCA

The Wealthy Life New

How to build a career, money and life that work together.

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For anyone who has become financially successful while quietly becoming poorer in health, relationships or purpose. Presents wealth as six dimensions — financial, physical, mental, emotional, social, spiritual — with a practical operating cycle, not just motivational framing. Free to read online if you want to try before buying.
What readers are saying
"What stood out to me in The Wealthy Life is its central proposition that wealth should be viewed as a portfolio, rather than simply a financial measure. By bringing together financial, physical, mental, emotional, social and spiritual dimensions, the book challenges readers to think more holistically about how wealth is created, protected and sustained. The practical examples, reflection points and application exercises make the concepts accessible and actionable."
— Solomon Isaac Faibil, FCA, CTP, FFA, FIPA, Founder & Principal Consultant, SIF Accounting & Tax Solutions Ltd (SIF Advisory)
Book cover: Optimise Your Return on Effort by CA Sunil Kumar, FCA

Optimise Your Return on Effort New

A practical framework for better decisions, career growth and future readiness.

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Introduces SROE — Strategic Return on Effort — for anyone whose problem isn't lack of effort but not knowing where that effort is best spent. A practical decision framework (Decide → Allocate → Execute → Review → Adapt), not another productivity-hacks book.

Personal Efficiency & Career Growth Set Bundle

Optimise Your Return on Effort + The Wealthy Life, bundled.

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Both Strategic Life books together, at a saving over buying them separately.

Across all three series Best value

All 5 core books — one from every series plus the two CFO and Strategic Life companion titles — in a single purchase.

The Complete Executive Reader

The 5-book core library — the definitive executive toolkit for high-impact decision-making, financial leadership and institutional governance.

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All 5 core books in one purchase, at a meaningful discount over buying them separately. The right choice if you already know you want the full library rather than testing the waters with one title.

Ready to see where your governance actually stands?

Books give you the thinking. The IGMA™ assessments give you a scored, board-ready diagnostic of your own organisation.

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